Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes

IF 0.9 Q3 EDUCATION & EDUCATIONAL RESEARCH Journal of Student Financial Aid Pub Date : 2016-12-01 DOI:10.55504/0884-9153.1574
J. Norvilitis, Meghan J Batt
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引用次数: 9

Abstract

Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan resignation attitudes predicted level of student loan debt. In addition, locus of control, delay of gratification, and social comparison are also related to loans and loan attitudes. Parental instruction marginally predicted loan attitudes, but not loan totals. Overall, these results suggest the need to consider non-need based factors when counseling students about accepting loans.
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超越财务需求:学生贷款和学生贷款态度的预测因素
尽管公众对学生贷款债务的担忧一直在增加,但很少有研究考察了经济需求或人口因素之外的债务预测因素。本研究探讨了189名大学生的心理和态度变量在学生贷款债务中的作用。结果表明,贷款主动性和贷款辞职态度预测学生贷款债务水平。此外,控制点、满足延迟和社会比较也与贷款和贷款态度有关。父母的指导对贷款态度的影响不大,但对贷款总额没有影响。总的来说,这些结果表明,在咨询学生接受贷款时,需要考虑非需求因素。
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来源期刊
Journal of Student Financial Aid
Journal of Student Financial Aid EDUCATION & EDUCATIONAL RESEARCH-
自引率
25.00%
发文量
19
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